The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$65,807
−HK$4,127/mo
▼ 0.25% · 3.875%
HK$67,854
−HK$2,080/mo
Today · 4.125%
HK$69,934
baseline
▲ 0.50% · 4.625%
HK$74,189
+HK$4,255/mo
Deposit HK$14.43M · loan HK$14.43M · min. income ≈ HK$139,868/mo (50% DSR)
Upfront cash ≈ HK$15.66M (deposit + AVD stamp duty HK$1,226,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,210
−HK$3,955/mo
▼ 0.25% · 3.875%
HK$75,173
−HK$1,992/mo
Today · 4.125%
HK$77,165
baseline
▲ 0.50% · 4.625%
HK$81,232
+HK$4,067/mo
Deposit HK$14.43M · loan HK$14.43M · min. income ≈ HK$154,330/mo (50% DSR)
Upfront cash ≈ HK$15.66M (deposit + AVD stamp duty HK$1,226,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,968
−HK$4,952/mo
▼ 0.25% · 3.875%
HK$81,425
−HK$2,495/mo
Today · 4.125%
HK$83,920
baseline
▲ 0.50% · 4.625%
HK$89,027
+HK$5,107/mo
Deposit HK$11.54M · loan HK$17.32M · min. income ≈ HK$167,840/mo (50% DSR)
Upfront cash ≈ HK$12.77M (deposit + AVD stamp duty HK$1,226,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,852
−HK$4,746/mo
▼ 0.25% · 3.875%
HK$90,208
−HK$2,390/mo
Today · 4.125%
HK$92,598
baseline
▲ 0.50% · 4.625%
HK$97,479
+HK$4,881/mo
Deposit HK$11.54M · loan HK$17.32M · min. income ≈ HK$185,196/mo (50% DSR)
Upfront cash ≈ HK$12.77M (deposit + AVD stamp duty HK$1,226,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,130
−HK$5,777/mo
▼ 0.25% · 3.875%
HK$94,996
−HK$2,911/mo
Today · 4.125%
HK$97,907
baseline
▲ 0.50% · 4.625%
HK$103,865
+HK$5,958/mo
Deposit HK$8.66M · loan HK$20.20M · min. income ≈ HK$195,814/mo (50% DSR)
Upfront cash ≈ HK$9.88M (deposit + AVD stamp duty HK$1,226,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,494
−HK$5,537/mo
▼ 0.25% · 3.875%
HK$105,242
−HK$2,789/mo
Today · 4.125%
HK$108,031
baseline
▲ 0.50% · 4.625%
HK$113,725
+HK$5,694/mo
Deposit HK$8.66M · loan HK$20.20M · min. income ≈ HK$216,062/mo (50% DSR)
Upfront cash ≈ HK$9.88M (deposit + AVD stamp duty HK$1,226,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,453
−HK$7,428/mo
▼ 0.25% · 3.875%
HK$122,137
−HK$3,744/mo
Today · 4.125%
HK$125,881
baseline
▲ 0.50% · 4.625%
HK$133,540
+HK$7,659/mo
Deposit HK$2.89M · loan HK$25.97M · min. income ≈ HK$251,762/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$1,226,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,777
−HK$7,120/mo
▼ 0.25% · 3.875%
HK$135,312
−HK$3,585/mo
Today · 4.125%
HK$138,897
baseline
▲ 0.50% · 4.625%
HK$146,218
+HK$7,321/mo
Deposit HK$2.89M · loan HK$25.97M · min. income ≈ HK$277,794/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$1,226,528 · Scale 2, in force from 26 Feb 2026)